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Nazgul is 29, married and raising 2 children together with her husband. She has a university education, and upon graduating, worked in a village library as a librarian and got married sometime thereafter. She began growing vegetables in 2008 with 25,000 som as startup capital. Both she and her husband have been growing them on a 0.30-hectare plot of land adjoining their house, planting quick-growing varieties of cucumber, carrots and cabbage. She typically stocks up on seeds of what are generally recognized to be the best varieties of these plants for each season, sprouts them in a greenhouse and then plants them. Her vegetables are ready to harvest early in the summer, and she sells them wholesale. She has several regular buyers for her vegetables. She sells the vegetables from her plot of land in the summer, and, in the winter, sells carrots and cabbage that she's stored in her cellar in the fall. Apart from vegetables, Nazgul also has a few animals on her farm (2 dairy cows and 2 sheep).

To further develop her farm, Nazgul is seeking a loan from Bai Tushum & Partners to buy high-quality cucumber, carrot and cabbage seeds for the sowing season. Nazgul is intent on getting a good harvest as this will bolster her family's finances. She plans on using any extra earnings due to the loan to add more livestock to her farm, as well as to pay for her children's education.
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Назгуль 29 лет, замужем, вместе с супругом воспитывают 2 детей. У Назгуль - высшее образование. После окончания университета Назгуль работала в сельской библиотеке, на должности библиотекаря, затем вышла замуж. Выращиванием овощей Назгуль стала заниматься с 2008 года с 25,000 сом KGS. Назгуль вместе с мужем занимается выращиванием овощей на приусадебном участке мерою 0,30 ГА, Назгуль выращивает ранние сорта огурцов, моркови и капусты. Назгуль закупает семена элитных сортов и выращивает рассаду в парнике и высаживает по сезону. Поэтому овощи созревают ранним летом и Назгуль сдает овощи оптом. У Назгуль имеются свои постоянные покупатели ее продукции. В летнее время Назгуль сдает овощи с приусадебного участка, а в зимнее время Назгуль сдает морковь и капусту, которые закладывает в погреб осенью также у Назгуль имеется: 2 дойные коровы и овцы. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Назгуль обратилась в Банк "Бай-Тушум" за кредитом для закупа высококачественных семян огурцов, моркови и капусты для посевных работ. Назгуль намерена получить хороший урожай, что непременно приведет к увеличению капитала семьи. Доходы от кредита Назгуль планирует вложить в приумножение количества домашней скотины, и планирует накопить средства на дальнейшее образование детей.

Additional Information

About Bai Tushum Bank CJSC

Bai Tushum Bank CJSC is a microfinance bank in Kyrgyzstan offering clients a range of products including loans for business development, trade, production, leasing, mortgage, consumption and more. Its portfolio is mostly comprised of group loans that cater to the broadest population of clients. Kiva lenders’ funds help the bank expand its services in remote areas to impact even more vulnerable communities in Kyrgyzstan.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,761,025
    Funds lent in using Kiva
  • 54.5
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $475 helped Nazgul buy seeds to plant cucumbers, cabbage and carrots.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 19, 2014
Mar 23, 2014
Currency Exchange Loss:
Apr 17, 2015